Retirement planning & enjoying the fruits of your labor.

A successful retirement means different things to different people. But whether it's quality time with loved ones, seeing the world, volunteering or spending more time in the garden, one thing is for sure — no one wants to spend their golden years stressed by financial concerns.

Planning for your retirement sooner will provide you with more opportunities to reach your retirement goals.

The concept of retirement has changed dramatically in recent years. Only 20 years ago, it meant a few quiet years of rest after a hard life of work. But, with better health and life expectancy rates, retirement today could mean more time for sports and leisure, quality years with the family, travelling the world, moving to the beach, or doing something you've always wanted to.

A bit of careful planning can help to eliminate the worry of not having enough to live on. Wherever you are on your road to retirement, it's never too early to start planning. Even if you feel you’ve left things a little late, planning now can still make a real difference.

Financial Strategy for Retirement

We have helped hundreds of clients carefully consider their strategy for retirement

Social Security

Most Americans will rely on their social security benefits to fund their retirement.

We focus on two things — when you should claim your benefits, and what options do you have available.


Developing an investment plan is a vital step in pursuit of your retirement goals. With our help, you will learn how to build an investment portfolio that's right for you, which assets to invest in, and how to manage risk.

Government Benefits

We'll guide you through the complex maze of pensions, allowance and benefits available from the Age Pension to Pension Concession Card and Seniors Health Card.

We explain how to qualify for entitlements and choosing social security friendly investments.

Tax and Retirement Income Strategies

How to choose between retirement investment options and the tax and social security implications? We are able to assist in making the right decisions.

We can also help you to evaluate the different types of retirement income products available.

Among others some available strategies can include:

  • Transition to retirement pensions
  • Allocated pensions
  • Withdrawals & re-contributions
  • Child pensions
  • Spouse contributions
  • Spouse contribution splitting
  • Salary sacrifice
  • Anti-detriment benefits

Social Security

By the time you retire, social security may be your second most valuable asset behind your home.

Your Social Security can be taxed as income depending on your situation.  We focus on two things — reviewing your social security for max potential and finding you the best possible gameplan. 

In our experience, Social Security is a popular topic with Arizona households. 

Filing Date — when do you plan to file?  Do you know your options?

Strategies — depending on your situation, there are several strategies that can increase your benefit. 

Taxation — proper planning can mitigate your tax consequence and help you keep more of your SS check. 

BrightAdvisor is a Social Security Benefits specialist and can help you to weigh up the options when considering your retirement.  

Get your Social Security strategy figured out in advance.
Make a complimentary appointment.